Systems and methods for the use of fraud prevention fluid to prevent chip fraud

ABSTRACT

Example embodiments of systems and methods for creating a chip fraud prevention system with a fraud prevention fluid are provided. A chip fraud prevention system includes a device including a chip. The chip may be at least partially encompassed in a chip pocket which contains a fraud prevention fluid. The fraud prevention fluid may be contained in a capsule or implemented as an adhesive. One or more connections may be communicatively coupled to at least one surface of the chip. The one or more connections may be placed in close proximity and/or in contact to the fraud prevention fluid.

FIELD OF THE INVENTION

The present disclosure relates to systems and methods for the use of afraud prevention fluid for a card, such as a smartcard, and moreparticularly, to systems and methods utilizing a fraud prevention fluidto prevent chip fraud.

BACKGROUND

Removing a chip from one smartcard and inserting it into anothersmartcard or other device increases the risk of fraud. Moreover,conventional chip placement methods, such as methods that use smoothmilling patterns, are ineffective due to the ease of chip removal. Forexample, for smartcards having chips, there is a significant likelihoodof the removal of chips that are not securely positioned, such as byphysical removal or thermal removal, and these chips may then be subjectto re-implantation into another card or other device. As a consequence,smartcards having chips may be fraudulently manipulated, reprogrammed,and/or otherwise misused.

These and other deficiencies exist. Accordingly, there is a need for achip fraud prevention system that improves security, reduces the risk offraud, reduces cost, and increases durability.

SUMMARY

Aspects of the disclosed technology include systems and methods for theuse of a fraud prevention fluid for a card, such as a smartcard. Variousembodiments describe systems and methods for utilizing a fraudprevention fluid to prevent chip fraud.

Embodiments of the present disclosure provide a chip fraud preventioncomprising a device including a chip, the chip at least partiallyencompassed in a chip pocket, wherein one or more connections arecommunicatively coupled to one or more surfaces of the chip; and thechip pocket contains a fraud prevention fluid.

Embodiments of the present disclosure provide a method of making a chipfraud prevention device, the method comprising the steps of forming achip pocket using one or more layers of substrate; inserting a fraudprevention fluid in the chip pocket; positioning a chip of a device atleast partially within the chip pocket; and communicatively coupling oneor more components to a first surface of the chip.

Embodiments of the present disclosure provide a contactless cardincluding a substrate layer, the contactless card comprising one or moreintegrated circuits positioned in one or more housings; one or moreconnections communicatively coupled to one or more surfaces of each ofthe one or more integrated circuits, the one or more connectionscomprising at least one or more wires, pins, or any combination thereof;and a fraud prevention stain comprising a visible dye, wherein the fraudprevention stain is contained within the one or more housings.

Further features of the disclosed design, and the advantages offeredthereby, are explained in greater detail hereinafter with reference tospecific example embodiments illustrated in the accompanying drawings,wherein like elements are indicated be like reference designators.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1A is an illustration of a card according to an example embodiment.

FIG. 1B is an illustration of a contact pad of a card according to anexample embodiment.

FIG. 2A is an illustration of a contact pad and a chip according to anexample embodiment.

FIG. 2B is an illustration of a contact pad and a chip according to anexample embodiment.

FIG. 2C is an illustration of a contact pad and a chip according to anexample embodiment.

FIG. 2D is an illustration of a contact pad and a chip according to anexample embodiment.

FIG. 2E is an illustration of a contact pad and a chip according to anexample embodiment.

FIG. 2F is an illustration of a contact pad and a chip according to anexample embodiment.

FIG. 3A is an illustration of a cross-sectional view of a chip pocketand a chip according to an example embodiment.

FIG. 3B is an illustration of a cross-sectional view of a chip pocketand a chip according to an example embodiment.

FIG. 3C is an illustration of a cross-sectional view of a chip pocketand a chip according to an example embodiment.

FIG. 3D is an illustration of a cross-sectional view of a chip pocketand a chip according to an example embodiment.

FIG. 3E is an illustration of a cross-sectional view of a chip pocketand a chip according to an example embodiment.

FIG. 3F is an illustration of a cross-sectional view of a chip pocketand a chip according to an example embodiment.

FIG. 3G is an illustration of a cross-sectional view of a chip pocketand a chip according to an example embodiment.

FIG. 3H is an illustration of a cross-sectional view of a chip pocketand a chip according to an example embodiment.

FIG. 4A is an illustration of a cross-sectional view of a chip pocket, achip, and a fraud prevention capsule according to an example embodiment.

FIG. 4B is an illustration of a cross-sectional view of a chip pocket, achip, and a fraud prevention capsule according to an example embodiment.

FIG. 4C is an illustration of a cross-sectional view of a chip pocket, achip, and a fraud prevention capsule according to an example embodiment.

FIG. 5A is an illustration of a cross-sectional view of a chip pocket, achip, and a fraud prevention adhesive according to another exampleembodiment.

FIG. 5B is an illustration of a cross-sectional view of a chip pocket, achip, and a fraud prevention adhesive according to another exampleembodiment.

FIG. 5C is an illustration of a cross-sectional view of a chip pocket, achip, and a fraud prevention adhesive according to another exampleembodiment.

FIG. 5D is an illustration of a cross-sectional view of a chip pocket, achip, and a fraud prevention adhesive according to another exampleembodiment.

FIG. 6 illustrates a method of making a card according to an exampleembodiment.

FIG. 7 illustrates a method of making a card with a fraud preventioncapsule according to an example embodiment.

FIG. 8 illustrates a method of making a card with a fraud preventionadhesive according to an example embodiment.

FIG. 9 illustrates a schematic of one or more layers of the contactlesscard according to an example embodiment.

DETAILED DESCRIPTION OF EXAMPLE EMBODIMENTS

Systems and methods described herein are directed to improvingdurability for chip placement methods in a contactless card, includingsaw tooth milling pattern and other means of preventing removal of thechip described herein. As further described below, the saw tooth millingpattern promotes the success of adhesion of the chip to a chip pocket ofthe contactless card while also creating an uneven cutting process toprevent removal of the chip. As a consequence of this and the otherremoval prevention designs described herein, chip fraud is reduced oreliminated. In addition, manufacturing processes can be improved andproduction costs may be decreased. Further cost and resource savings maybe achieved through a decrease in fraud, including decreased needs forinvestigating and refunding fraudulent transactions, customer support,and replacing smartcards.

FIG. 1A illustrates one or more contactless cards 100, which maycomprise a payment card, such as a credit card, debit card, or giftcard, issued by a service provider 105 displayed on the front or back ofthe card 100. In some examples, the contactless card 100 is not relatedto a payment card, and may comprise, without limitation, anidentification card, a membership card, a data storage card, or othertype of card. In some examples, the payment card may comprise acontactless card, such as a dual interface contactless payment card, acontact card that requires physical contact with a card reader, or othertype of chip-based card. The card 100 may comprise a substrate 101,which may include a single layer or one or more laminated layerscomposed of plastics, metals, and other materials. Exemplary substratematerials include polyvinyl chloride, polyvinyl chloride acetate,acrylonitrile butadiene styrene, polycarbonate, polyesters, anodizedtitanium, palladium, gold, carbon, paper, and biodegradable materials.In some examples, the card 100 may have physical characteristicscompliant with the ID-1 format of the ISO/IEC 7810 standard, and thecard may otherwise be compliant with the ISO/IEC 14443 standard.However, it is understood that the card 100 according to the presentdisclosure may have different characteristics, and the presentdisclosure does not require a card to be implemented in a payment card.

The card 100 may comprise account number information 110 that may bedisplayed on the front and/or back of the card 100. The card 100 mayalso include identification information 115 displayed on the frontand/or back of the card 100, and a contact pad 120. In some examples,identification information 115 may comprise one or more of cardholdername and expiration date of the card 100. The contact pad 120 may beconfigured to establish contact with another communication device, suchas a user device, smart phone, laptop, desktop, or tablet computer. Thecard 100 may also include processing circuitry, antenna and othercomponents not shown in FIG. 1A. These components may be located behindthe contact pad 120 or elsewhere on the substrate 101. The card 100 mayalso include a magnetic strip or tape, which may be located on the backof the card (not shown in FIG. 1A).

As illustrated in FIG. 1B, the contact pad 120 of FIG. 1A may includeprocessing circuitry 125 for storing and processing information,including a microprocessor 130 and a memory 135. It is understood thatthe processing circuitry 125 may contain additional components,including processors, memories, error and parity/CRC checkers, dataencoders, anticollision algorithms, controllers, command decoders,security primitives and tamperproofing hardware, as necessary to performthe functions described herein.

The memory 135 may be a read-only memory, write-once read-multiplememory or read/write memory, e.g., RAM, ROM, and EEPROM, and the card100 may include one or more of these memories. A read-only memory may befactory programmable as read-only or one-time programmable. One-timeprogrammability provides the opportunity to write once then read manytimes. A write once/read-multiple memory may be programmed at a point intime after the memory chip has left the factory. Once the memory isprogrammed, it may not be rewritten, but it may be read many times. Aread/write memory may be programmed and re-programed many times afterleaving the factory. It may also be read many times.

The memory 135 may be configured to store one or more applets 140, oneor more counters 145, and a customer identifier 150. The one or moreapplets 140 may comprise one or more software applications configured toexecute on one or more cards, such as Java Card applet. However, it isunderstood that applets 140 are not limited to Java Card applets, andinstead may be any software application operable on cards or otherdevices having limited memory. The one or more counters 145 may comprisea numeric counter sufficient to store an integer. The customeridentifier 150 may comprise a unique alphanumeric identifier assigned toa user of the card 100, and the identifier may distinguish the user ofthe card from other card users. In some examples, the customeridentifier 150 may identify both a customer and an account assigned tothat customer and may further identify the card associated with thecustomer's account.

The processor and memory elements of the foregoing exemplary embodimentsare described with reference to the contact pad, but the presentdisclosure is not limited thereto. It is understood that these elementsmay be implemented outside of the pad 120 or entirely separate from it,or as further elements in addition to processor 130 and memory 135elements located within the contact pad 120.

In some examples, the card 100 may comprise one or more antennas 155.The one or more antennas 155 may be placed within the card 100 andaround the processing circuitry 125 of the contact pad 120. For example,the one or more antennas 155 may be integral with the processingcircuitry 125 and the one or more antennas 155 may be used with anexternal booster coil. As another example, the one or more antennas 155may be external to the contact pad 120 and the processing circuitry 125.

In an embodiment, the coil of card 100 may act as the secondary of anair core transformer. The terminal may communicate with the card 100 bycutting power or amplitude modulation. The card 100 may infer the datatransmitted from the terminal using the gaps in the card's powerconnection, which may be functionally maintained through one or morecapacitors. The card 100 may communicate back by switching a load on thecard's coil or load modulation. Load modulation may be detected in theterminal's coil through interference.

As illustrated in FIG. 2A, system 200 depicts various schematics of asurface of a contact pad and a chip. FIG. 2A may reference the same orsimilar components as illustrated in FIG. 1A and FIG. 1B, including thecard, chip and the contact pad. In some examples, the chip may comprisean integrated circuit. In one example, contact pad 205 may include aplanar surface 210 comprising a pad substrate 215 and a chip 220embedded, integrated, or otherwise in communication with contact pad 205via one or more electronic components or connections 225. For example,one or more connections 225 may comprise one or more leads, wires orpins, or any combination thereof, communicatively coupled to chip 220.One or more connections 225 may be configured to connect to a chipsurface 230 of the chip 220. As illustrated in FIG. 2A, the chip surface230 may comprise an exterior region of chip 220, and the chip 220 isshown as projecting outwards from card 205 to depict its connectivity.

As illustrated in FIG. 2B, the one or more connections 225, aspreviously depicted in FIG. 2A, are shown as being removed. FIG. 2B mayreference the same or similar components of contact pad 205 aspreviously described with reference to FIG. 2A. In some examples,removal of the one or more connections 225 may take place by one or morestructures 265, including but not limited to one or more of wirecutters, scissors, clippers, picks, pliers, pins, threads, needles,blades, knives, or any other structure, or any combination thereof,configured to remove the one or more connections 225.

As illustrated in FIG. 2C, the one or more connections 225, aspreviously depicted in FIG. 2B, have been severed due to the removal byone or more structures 265 as explained above with reference to FIG. 2B.FIG. 2C may reference the same or similar components of card 205 aspreviously described with reference to FIG. 2B.

FIG. 2D illustrates another example of a contact pad and a chip. Asshown in FIG. 2D, contact pad 235 includes a planar surface 240comprising a pad substrate 245 and a chip 250 embedded, integrated, orotherwise in communication with card 205 via one or more electroniccomponents or connections 255. For example, one or more connections 255may comprise one or more wires or pins, or any combination thereof,communicatively coupled to chip 250. One or more connections 255 may beconfigured to connect a surface 260 of the chip 250. As illustrated inFIG. 2D, surface 260 may comprise an interior region of chip 250, andthe chip 250 is shown as projecting outwards from card 205 to depict itsconnectivity. As further illustrated in FIG. 2D, one or more connections255 of card 235 have not yet been severed.

As illustrated in FIG. 2E, the one or more connections 255 of card 235,as previously depicted in FIG. 2D, are shown as being removed. FIG. 2Emay reference the same or similar components of card 235 as previouslydescribed with reference to FIG. 2D. In some examples, removal of theone or more leads 255 may take place by one or more structures 265,including but not limited to one or more of wire cutters, scissors,clippers, picks, pliers, pins, threads, needles, blades, knives, or anyother structure, or any combination thereof, configured to remove one ormore connections 255.

As illustrated in FIG. 2F, the one or more connections 255 of card 235,as previously depicted in FIG. 2E, have been severed due to the removalby one or more structures 265 as explained above with reference to FIG.2E. FIG. 2F may reference the same or similar components of card 235 aspreviously described with reference to FIG. 2E.

As illustrated in FIG. 3A, system 300 depicts a schematic ofcross-sectional view of a chip pocket of a card. FIG. 3A may referencethe same or similar components as illustrated in FIGS. 2A-2F, such as acard, one or more connections, and a chip. Card 305 may comprise a chip310 that is at least partially or wholly positioned on or at leastpartially or wholly encompassed or at least partially or whollyintegrated within a housing or reservoir, the housing or reservoircomprising a chip pocket 315. In some examples, the one or more peaksand one or more valleys 320 may comprise one or more air gaps. In someexamples, the one or more peaks and one or more valleys 320 may compriseone or more tapered or jagged edges. Although single instances of thechip 310 are depicted in FIG. 3A, one or more chips 310 of card 305 maybe at least partially or wholly positioned on or at least partially orwholly encompassed or at least partially or wholly integrated within oneor more housings or reservoirs.

In some examples, the one or more peaks and one or more valleys 320 ofthe chip pocket 315 may be generated or designed via a saw tooth millingpattern. The saw tooth milling pattern may be programmed or machined bya machine (not shown). In contrast to a smooth milling pattern, the sawtooth milling pattern for the chip pocket 315 or a derivation of the sawtooth milling pattern, makes it difficult to attempt removal and/orremove the chip 310 from the card 305. Thus, the saw tooth millingpattern promotes the success of adhesion of the chip 310 to the chippocket 315 while also creating an uneven cutting process to preventremoval of the chip 310. In addition, one or more adhesives may beapplied within the air gaps between the one or more peaks and one ormore valleys 320 (e.g., to completely or partially fill the air gaps),which may strengthen the adhesion of the chip 310 within the chip pocket315. As a consequence of this removal prevention design, removal of thechip may be more difficult and chip fraud may be reduced.

In some examples, each of the one or more peaks and one or more valleys320 of the chip pocket 315 may comprise same or different shapes,lengths, and/or dimensions so as to produce one or more arrangements ofthe one or more shapes. For example, although seven types of peaks andvalleys are illustrated in FIG. 3A, fewer or greater peaks and valleysmay be included, and other types of peaks and valleys 320 may compriseone or more angled and/or curved portions. Accordingly, one or morepeaks and one or more valleys 320 may comprise different or irregularshapes, lengths, and/or dimensions. In some examples, one or moresubsets of the one or more peaks and the one or more valleys 320 may begenerated or repeated after a predetermined interval, or one or moresubsets of the one or more peaks and one or more valleys 320 maygenerated or repeated at random, as determined by one or more machiningprocesses. Although FIG. 3A depicts the card 305, chip 310, one or moreconnections 320, and one or more peaks and one or more valleys 320,different variations may be used within a given card 305 issuance, suchthat the same card issued by an institution may have a number ofdifferent patterns based on the particular card 305 that is prepared forthe user. In the event the user misplaces their card 305, a new card maybe issued with an entirely different pattern to replace the previouscard.

FIG. 3B illustrates another example embodiment of the system 300 shownin FIG. 3A, including a card 305, a chip 310, a chip pocket 315, and oneor more peaks and one or more valleys 320 that may comprise one or moreair gaps. As shown in FIG. 3B, one or more connections 325, which maycomprise one or more leads, wires or pins, or any combination thereof,may be communicatively coupled to at least a portion of the chip 310.The one or more connection 325 may be disposed between the one or peaksand one or more valleys 320. In some examples, the one or moreconnections 325 may be disposed within air gaps between the one or peaksand one or more valleys 320. In other examples, the one or moreconnections 325 may be disposed within the adhesive that may completelyor partially fill the air gaps. In either case, if any of the one ormore connections 325 are severed during an attempt to remove the chip310, the chip 310 may not properly function. Accordingly, disposing theone or more leads between the one or peaks and one or more valleys 320may increase the difficulty of removing the chip and reduce thelikelihood that chip fraud may be committed.

As illustrated in FIG. 3C, system 300 depicts a schematic ofcross-sectional view of a chip pocket of a card. FIG. 3C may referencethe same or similar components as illustrated in FIGS. 3A-3B, such as acard, one or more connections, and a chip. Card 305 may comprise a chip310 that is at least partially or wholly positioned on or at leastpartially or wholly encompassed or at least partially or whollyintegrated within a housing or reservoir, the housing or reservoircomprising a chip pocket 315. In some examples, the one or more peaksand one or more valleys 320 may comprise one or more air gaps. In someexamples, the one or more peaks and one or more valleys 320 may compriseone or more tapered or jagged edges. Although single instances of thechip 310 are depicted in FIG. 3C, one or more chips 310 of card 305 maybe at least partially or wholly positioned on or at least partially orwholly encompassed or at least partially or wholly integrated within oneor more housings or reservoirs.

In some examples, the one or more peaks and one or more valleys 320 ofthe chip pocket 315 may be generated or designed via a saw tooth millingpattern. The saw tooth milling pattern may be programmed or machined bya machine (not shown). In contrast to a smooth milling pattern, the sawtooth milling pattern for the chip pocket 315 or a derivation of the sawtooth milling pattern, makes it difficult to attempt removal and/orremove the chip 310 from the card 305. Thus, the saw tooth millingpattern promotes the success of adhesion of the chip 310 to the chippocket 315 while also creating an uneven cutting process to preventremoval of the chip 310. In addition, one or more adhesives may beapplied within the air gaps between the one or more peaks and one ormore valleys 320 (e.g., to completely or partially fill the air gaps),which may strengthen the adhesion of the chip 310 within the chip pocket315. As a consequence of this removal prevention design, removal of thechip may be more difficult and chip fraud may be reduced.

In some examples, each of the one or more peaks and one or more valleys320 of the chip pocket 315 may comprise same or different shapes,lengths, and/or dimensions so as to produce one or more arrangements ofthe one or more shapes. For example, although three peaks and fourvalleys are illustrated in FIG. 3C, fewer or greater peaks and valleysmay be included, and other types of peaks and valleys 320 may compriseone or more angled and/or curved portions. Accordingly, one or morepeaks and one or more valleys 320 may comprise different or irregularshapes, lengths, and/or dimensions. In some examples, one or moresubsets of the one or more peaks and the one or more valleys 320 may begenerated or repeated after a predetermined interval, or one or moresubsets of the one or more peaks and one or more valleys 320 maygenerated or repeated at random, as determined by one or more machiningprocesses. Although FIG. 3C depicts the card 305, chip 310, one or moreconnections 320, and one or more peaks and one or more valleys 320,different variations may be used within a given card 305 issuance, suchthat the same card issued by an institution may have a number ofdifferent patterns based on the particular card 305 that is prepared forthe user. In the event the user misplaces their card 305, a new card maybe issued with an entirely different pattern to replace the previouscard.

FIG. 3D illustrates another example embodiment of the system 300 shownin FIG. 3C, including a card 305, a chip 310, a chip pocket 315, and oneor more peaks and one or more valleys 320 that may comprise one or moreair gaps. As shown in FIG. 3D, one or more connections 325, which maycomprise one or more leads, wires or pins, or any combination thereof,may be communicatively coupled to at least a portion of the chip 310.The one or more connection 325 may be disposed between the one or peaksand one or more valleys 320. In some examples, the one or moreconnections 325 may be disposed within air gaps between the one or peaksand one or more valleys 320. In other examples, the one or moreconnections 325 may be disposed within the adhesive that may completelyor partially fill the air gaps. In either case, if any of the one ormore connections 325 are severed during an attempt to remove the chip310, the chip 310 may not properly function. Accordingly, disposing theone or more leads between the one or peaks and one or more valleys 320may increase the difficulty of removing the chip and reduce thelikelihood that chip fraud may be committed.

As illustrated in FIG. 3E, system 300 depicts a schematic ofcross-sectional view of a chip pocket of a card. FIG. 3E may referencethe same or similar components as illustrated in FIGS. 3A-3D, such as acard, one or more connections, and a chip. Card 305 may comprise a chip310 that is at least partially or wholly positioned on or at leastpartially or wholly encompassed or at least partially or whollyintegrated within a housing or reservoir, the housing or reservoircomprising a chip pocket 315. In some examples, the one or more peaksand one or more valleys 320 may comprise one or more air gaps. In someexamples, the one or more peaks and one or more valleys 320 may compriseone or more tapered or jagged edges. Although single instances of thechip 310 are depicted in FIG. 3E, one or more chips 310 of card 305 maybe at least partially or wholly positioned on or at least partially orwholly encompassed or at least partially or wholly integrated within oneor more housings or reservoirs.

In some examples, the one or more peaks and one or more valleys 320 ofthe chip pocket 315 may be generated or designed via a saw tooth millingpattern. The saw tooth milling pattern may be programmed or machined bya machine (not shown). In contrast to a smooth milling pattern, the sawtooth milling pattern for the chip pocket 315 or a derivation of the sawtooth milling pattern, makes it difficult to attempt removal and/orremove the chip 310 from the card 305. Thus, the saw tooth millingpattern promotes the success of adhesion of the chip 310 to the chippocket 315 while also creating an uneven cutting process to preventremoval of the chip 310. In addition, one or more adhesives may beapplied within the air gaps between the one or more peaks and one ormore valleys 320 (e.g., to completely or partially fill the air gaps),which may strengthen the adhesion of the chip 310 within the chip pocket315. As a consequence of this removal prevention design, removal of thechip may be more difficult and chip fraud may be reduced.

In some examples, each of the one or more peaks and one or more valleys320 of the chip pocket 315 may comprise same or different shapes,lengths, and/or dimensions so as to produce one or more arrangements ofthe one or more shapes. For example, although three peaks and fourvalleys are illustrated in FIG. 3E, fewer or greater peaks and valleysmay be included, and other types of peaks and valleys 320 may compriseone or more angled and/or curved portions. Accordingly, one or morepeaks and one or more valleys 320 may comprise different or irregularshapes, lengths, and/or dimensions. In some examples, one or moresubsets of the one or more peaks and the one or more valleys 320 may begenerated or repeated after a predetermined interval, or one or moresubsets of the one or more peaks and one or more valleys 320 maygenerated or repeated at random, as determined by one or more machiningprocesses. Although FIG. 3E depicts the card 305, chip 310, one or moreconnections 320, and one or more peaks and one or more valleys 320,different variations may be used within a given card 305 issuance, suchthat the same card issued by an institution may have a number ofdifferent patterns based on the particular card 305 that is prepared forthe user. In the event the user misplaces their card 305, a new card maybe issued with an entirely different pattern to replace the previouscard.

FIG. 3F illustrates another example embodiment of the system 300 shownin FIG. 3E, including a card 305, a chip 310, a chip pocket 315, and oneor more peaks and one or more valleys 320 that may comprise one or moreair gaps. As shown in FIG. 3F, one or more connections 325, which maycomprise one or more leads, wires or pins, or any combination thereof,may be communicatively coupled to at least a portion of the chip 310. Insome examples, the one or more connections 325 may be disposed withinair gaps between the one or peaks and one or more valleys 320. In otherexamples, the one or more connections 325 may be disposed within theadhesive that may completely or partially fill the air gaps. In eithercase, if any of the one or more connections 325 are severed during anattempt to remove the chip 310, the chip 310 may not properly function.Accordingly, disposing the one or more leads between the one or peaksand one or more valleys 320 may increase the difficulty of removing thechip and reduce the likelihood that chip fraud may be committed.

As illustrated in FIG. 3G, system 300 depicts a schematic ofcross-sectional view of a chip pocket of a card. FIG. 3G may referencethe same or similar components as illustrated in FIGS. 3A-3F, such as acard, one or more connections, and a chip. Card 305 may comprise a chip310 that is at least partially or wholly positioned on or at leastpartially or wholly encompassed or at least partially or whollyintegrated within a housing or reservoir, the housing or reservoircomprising a chip pocket 315. In some examples, the one or more peaksand one or more valleys 320 may comprise one or more air gaps. In someexamples, the one or more peaks and one or more valleys 320 may compriseone or more tapered or jagged edges. Although single instances of thechip 310 are depicted in FIG. 3G, one or more chips 310 of card 305 maybe at least partially or wholly positioned on or at least partially orwholly encompassed or at least partially or wholly integrated within oneor more housings or reservoirs.

In some examples, the one or more peaks and one or more valleys 320 ofthe chip pocket 315 may be generated or designed via a saw tooth millingpattern. The saw tooth milling pattern may be programmed or machined bya machine (not shown). In contrast to a smooth milling pattern, the sawtooth milling pattern for the chip pocket 315 or a derivation of the sawtooth milling pattern, makes it difficult to attempt removal and/orremove the chip 310 from the card 305. Thus, the saw tooth millingpattern promotes the success of adhesion of the chip 310 to the chippocket 315 while also creating an uneven cutting process to preventremoval of the chip 310. In addition, one or more adhesives may beapplied within the air gaps between the one or more peaks and one ormore valleys 320 (e.g., to completely or partially fill the air gaps),which may strengthen the adhesion of the chip 310 within the chip pocket315. As a consequence of this removal prevention design, removal of thechip may be more difficult and chip fraud may be reduced.

In some examples, each of the one or more peaks and one or more valleys320 of the chip pocket 315 may comprise same or different shapes,lengths, and/or dimensions so as to produce one or more arrangements ofthe one or more shapes. For example, although two peaks and threevalleys are illustrated in FIG. 3G, fewer or greater peaks and valleysmay be included, and other types of peaks and valleys 320 may compriseone or more angled and/or curved portions. Accordingly, one or morepeaks and one or more valleys 320 may comprise different or irregularshapes, lengths, and/or dimensions. In some examples, one or moresubsets of the one or more peaks and the one or more valleys 320 may begenerated or repeated after a predetermined interval, or one or moresubsets of the one or more peaks and one or more valleys 320 maygenerated or repeated at random, as determined by one or more machiningprocesses. Although FIG. 3G depicts the card 305, chip 310, one or moreconnections 320, and one or more peaks and one or more valleys 320,different variations may be used within a given card 305 issuance, suchthat the same card issued by an institution may have a number ofdifferent patterns based on the particular card 305 that is prepared forthe user. In the event the user misplaces their card 305, a new card maybe issued with an entirely different pattern to replace the previouscard.

FIG. 3H illustrates another example embodiment of the system 300 shownin FIG. 3H, including a card 305, a chip 310, a chip pocket 315, and oneor more peaks and one or more valleys 320 that may comprise one or moreair gaps. As shown in FIG. 3H, one or more connections 325, which maycomprise one or more leads, wires or pins, or any combination thereof,may be communicatively coupled to at least a portion of the chip 310. Insome examples, the one or more connections 325 may be disposed withinair gaps between the one or peaks and one or more valleys 320. In otherexamples, the one or more connections 325 may be disposed within theadhesive that may completely or partially fill the air gaps. In eithercase, if any of the one or more connections 325 are severed during anattempt to remove the chip 310, the chip 310 may not properly function.Accordingly, disposing the one or more connections 325 between the oneor peaks and one or more valleys 320 may increase the difficulty ofremoving the chip and reduce the likelihood that chip fraud may becommitted.

As illustrated in FIG. 4A, system 400 depicts a schematic ofcross-sectional view of a chip pocket of a card. FIG. 4A may referencesame or similar components as illustrated in FIGS. 2A-3D, such as asmartcard, one or more connections, and a chip. Card 405 may comprise achip 410 that is at least partially or wholly positioned on or at leastpartially or wholly encompassed or at least partially or whollyintegrated within a housing or reservoir, the housing or reservoircomprising a chip pocket 415. FIG. 4A depicts a fraud prevention capsule425 which contains a fraud prevention fluid 430. Capsule 425 may be atleast partially or wholly disposed within the chip pocket 415. One ormore connections 420 may be communicatively coupled to at least aportion, such as a surface, of the chip 410. Although single instancesof the chip 410 and fraud prevention capsule 425 are depicted in FIG.4A, one or more chips 410 or capsules 425 of card 405 may be at leastpartially or wholly positioned on or at least partially or whollyencompassed or at least partially or wholly integrated within one ormore housings or reservoirs.

Fraud prevention capsule 425 may be made of a membrane material which islikely to be cut, torn, punctured, or otherwise perforated upon contactwith a structure configured to remove one or more connections 420. Thecapsule 425 is configured to release a fraud prevention fluid 430 whenperforated. The fraud prevention capsule may be positioned to make itdifficult to remove or attempt removal of the chip 410 from the card 405without perforating the capsule 425 and releasing the fraud preventionfluid 430.

In some embodiments, the fraud prevention fluid is a visible stainingliquid. If the capsule is perforated and a visible staining liquid isreleased, the chip, contact pad, connections, surface of the card, andother components may be permanently stained. This prevents chip fraud byvisibly identifying chips or cards which have had the capsuleperforated.

In some embodiments, the fraud prevention fluid is a corrosive liquid.If the capsule is perforated and the corrosive liquid is released, thechip, contact pad, connections, surface of the card, and othercomponents may be damaged by the corrosive liquid. This prevents chipfraud by damaging electronic components, such as the chip, connections,and contact pad, rendering them inoperable. Additionally, the corrosiveliquid may damage the surface of the card, thereby visibly identifying acard that has had its fraud prevention capsule perforated.

In some embodiments, the fraud prevention fluid is a noxious gas. If thecapsule is perforated and the noxious gas is released, the individualthat perforated the capsule may be forced to evacuate the area until thegas dissipates. By causing the process of removing the chip from a cardto become more arduous and/or time consuming, chip fraud may be reduced.

In some embodiments, the fraud prevention fluid is an invisible stainingliquid that becomes visible under ultraviolet (“UV”) light. If thecapsule is perforated and a fraud prevention fluid is released, thechip, contact pad, connections, surface of the card, and othercomponents may be permanently stained. The use of a fraud preventionfluid which is invisible under ordinary lighting and becomes visibleunder ultraviolet light may be used to identify cards or chips that havehad the fraud prevention capsule perforated without alerting thefraudster to the identifying mark. If the fraudster attempts to use acard or chip marked by UV light, a store clerk or an anti-fraud cardreader may expose the card or chip to UV light and identify thefraudster attempting to use the card. This prevents chip fraud byidentifying chips or cards which have had the capsule perforated andassisting with the capture of fraudsters.

In some embodiments, the fraud prevention fluid is non-metallic. Thefraud prevention capsule and fraud prevention fluid may be arranged tonot interfere with authorized use of a card. As the majority of cardtransactions are executed by the authorized user, the standard use ofthe card should not be negatively impacted by the incorporation of afraud prevention capsule and fraud prevention fluid. The use of anon-metallic fraud prevention fluid prevents potential interferencebetween electrical and/or electromagnetic signals utilized by the cardto execute authorized transactions.

As illustrated in FIG. 4B, system 400 depicts a schematic ofcross-sectional view of a chip pocket of a card. FIG. 4B may referencesame or similar components as illustrated in FIGS. 2A-4A, such as acard, one or more connections, a chip, and a fraud prevention capsulecontaining a fraud prevention fluid. Card 405 may comprise a chip 410that is at least partially or wholly positioned on or at least partiallyor wholly encompassed or at least partially or wholly integrated withina housing or reservoir, the housing or reservoir comprising a chippocket 415. FIG. 4B depicts a fraud prevention capsule 425 whichcontains a fraud prevention fluid 430. Capsule 425 may be at leastpartially or wholly disposed within the chip pocket 415. One or moreconnections 420 may be communicatively coupled to at least a portion,such as a surface, of the chip 410. Although single instances of thechip 410 are depicted in FIG. 4B, one or more chips 410 of card 405 maybe at least partially or wholly positioned on or at least partially orwholly encompassed or at least partially or wholly integrated within oneor more housings or reservoirs. In some examples the one or moreconnections 420 may be in contact with the fraud prevention capsule 425.In some embodiments, multiple fraud prevention capsules may bepositioned in the chip pocket. This arrangement increases the difficultyof removing the connections 420 without perforating the fraud preventioncapsule 425 and releasing the fraud prevention fluid 430.

As illustrated in FIG. 4C, system 400 depicts a schematic ofcross-sectional view of a chip pocket of a card. FIG. 4C may referencesame or similar components as illustrated in FIG. 4A, such as a card,one or more connections, a chip, and a fraud prevention capsulecontaining a fraud prevention fluid. Card 405 may comprise a chip 410that is at least partially or wholly positioned on or at least partiallyor wholly encompassed or at least partially or wholly integrated withina housing or reservoir, the housing or reservoir comprising a chippocket 415. FIG. 4C depicts a fraud prevention capsule 425 whichcontains a fraud prevention fluid 430. Capsule 425 may be at leastpartially or wholly disposed within the chip pocket 415. One or moreconnections 420 may be communicatively coupled to at least a portion,such as a surface, of the chip 410. Although single instances of thechip 410 are depicted in FIG. 4C, one or more chips 410 of card 405 maybe at least partially or wholly positioned on or at least partially orwholly encompassed or at least partially or wholly integrated within oneor more housings or reservoirs. In some examples the fraud preventioncapsule 425 may be shaped or pattered to accommodate one or more peaksand one of more valleys 435 of the chip pocket 415. Incorporating ashaped capsule into a card allows for the fraud prevention benefits ofboth the fraud prevention capsule and the benefits of using a chippocket with an uneven cutting surface. Additionally, the use of a chippocket with an uneven cutting surface increases the likelihood that thefraud prevention capsule will be perforated during removal or attemptedremoval of the chip 410 from the card 405.

Exemplary instances of the fraud prevention capsule 425 are depicted inFIGS. 4A-4C. It will be appreciated that one or more capsules 425,containing the same or different fraud prevention fluids 430, may be atleast partially or wholly positioned on or at least partially or whollyencompassed or at least partially or wholly integrated within one ormore housings or reservoirs.

In some embodiments, a fraud prevention capsule may be adhesivelyattached to a surface of a chip. In some embodiments, more than onefraud prevention capsule may be adhesively attached to more than onesurface of a chip. In some embodiments, a fraud prevention capsule maybe adhesively attached to a chip pocket. In some embodiments, a fraudprevention capsule may be adhesively attached to a surface of a chip anda surface of a chip pocket, thereby increasing the likelihood thecapsule will be perforated if the chip is ever removed from the chippocket. In some embodiments, a fraud prevention capsule may bepositioned between a chip and a contact pad. In some embodiments, afraud prevention capsule may be shaped to include a passageway throughthe capsule. The passageway may be configured to allow one or moreconnections to be inserted into the passageway, thereby allowing thefraud prevention capsule to surround the connections. In someembodiments, the fraud prevention capsule may be positioned to leakfraud prevention fluid onto a hologram, a signature panel, or both.

As illustrated in FIG. 5A, system 500 depicts a schematic ofcross-sectional view of a chip pocket of a card. FIG. 5A may referencesame or similar components as illustrated in FIGS. 2A-4C, such as acard, one or more connections, and a chip. Card 505 may comprise a chip510 that is at least partially or wholly positioned on or at leastpartially or wholly encompassed or at least partially or whollyintegrated within a housing or reservoir, the housing or reservoircomprising a chip pocket 515. FIG. 5A depicts a fraud preventionadhesive 525. The fraud prevention adhesive 525 comprises a stain andmay be used to adhesively attach the chip 510 at least partially withinthe chip pocket 515. In some embodiments, the fraud prevention adhesivemay be entirely contained within the chip pocket. One or moreconnections 520 may be communicatively coupled to at least a portion,such as a surface, of the chip 510. In some embodiments, the connections520 may be in contact with the fraud prevention adhesive 525. Althoughsingle instances of the chip 510 are depicted in FIG. 5A, one or morechips 510 of card 505 may be at least partially or wholly positioned onor at least partially or wholly encompassed or at least partially orwholly integrated within one or more housings or reservoirs.

The fraud prevention adhesive may be an adhesive that comprises a stainand becomes a flowable liquid when heated above ambient temperatures. Insome examples, fraud prevention adhesive comprises a viscosity modifyingagent in order to decrease the viscosity of the adhesive and promoteflowing of the adhesive. In some examples, the fraud prevention adhesivecomprises a dispersal agent that actively spreads the stain upon beingactivated. The dispersal agent may a foaming agent, an effervescentexcipient, an expanding agent, or any other component that facilitatesthe dispersal of the fraud prevention adhesive stain. In some examples,the fraud prevention adhesive comprises a solvent that evaporates fromthe fraud prevention adhesive when exposed to air. In some examples, theuse of a solvent allows the fraud prevention adhesive to disperse andthen dry and/or solidify to permanently stain any components contactedby the flowing fraud prevention adhesive.

In some examples, after the fraud prevention adhesive becomes a flowableliquid upon heating, it becomes a solid upon cooling. In someembodiments, once the adhesive has been through one heating and coolingcycle, the fraud prevention adhesive will not return to a flowableliquid state, thereby preventing the removal of the fraud preventionadhesive stain.

A fraud prevention adhesive may be used to adhesively secure a chip to asubstrate, such as a substrate of a card. In some examples, a fraudprevention adhesive may be used to adhesively attach a chip to multiplelayers of substrates and/or a chip pocket formed by layers ofsubstrates. The fraud prevention adhesive comprises a stain. In someexamples, the stain may be one of multiple components forming the fraudprevention adhesive.

In some examples, the fraud prevention adhesive becomes a flowableliquid at a temperature of less than about 300° F. In some examples, thefraud prevention adhesive may be applied so that the stain contacts thechip if the adhesive is melted. In some examples, the stain is a visibledye. In such examples, if the fraud prevention adhesive is melted, thestain may contact the chip, contact pad, connections, and/or surface ofthe card, thereby visibly staining the components. This may reduce orprevent chip fraud by visibly identifying chips or cards which have hadthe adhesive melted, indicating at least an attempt to remove a chipfrom a card.

In some embodiments, the stain is an invisible staining liquid thatbecomes visible under ultraviolet (“UV”) light. If the fraud preventionadhesive is melted, the chip, contact pad, connections, surface of thecard, and other components may be permanently stained. The use of afraud prevention fluid adhesive with a stain that is invisible underordinary lighting and becomes visible under ultraviolet light may beused to identify cards or chips that have had the fraud preventionadhesive melted without alerting the fraudster to the identifying mark.If the fraudster attempts to use a card or chip which has been stained,a store clerk or an anti-fraud card reader may expose the card or chipto UV light and identify the fraudster attempting to use the card. Thismay reduce or prevent chip fraud by identifying chips or cards whichhave had the fraud prevention adhesive heated and assisting with thecapture of fraudsters.

As illustrated in FIG. 5B, system 500 depicts a schematic ofcross-sectional view of a chip pocket of a card. FIG. 5B may referencesame or similar components as illustrated in FIG. 5A, such as a card,one or more connections, a chip, and a fraud prevention adhesive. Card505 may comprise a chip 510 that is at least partially or whollypositioned on or at least partially or wholly encompassed or at leastpartially or wholly integrated within a housing or reservoir, thehousing or reservoir comprising a chip pocket 515. FIG. 5B depicts afraud prevention adhesive 525 applied to the chip pocket 515. The amountof fraud prevention adhesive applied may vary depending on theparticular application. Using a greater amount of fraud preventionadhesive and/or applying it closer to the surface of the card 505increases the likelihood that the stain will create a more prominentmark on the chip, card, or other components, if the fraud preventionadhesive is heated. One or more connections 520 may be communicativelycoupled to at least a portion, such as a surface, of the chip 510. Insome embodiments, the connections 520 may be in contact with the fraudprevention adhesive 525. Although single instances of the chip 510 aredepicted in FIG. 5B, one or more chips 510 of card 505 may be at leastpartially or wholly positioned on or at least partially or whollyencompassed or at least partially or wholly integrated within one ormore housings or reservoirs.

As illustrated in FIG. 5C, system 500 depicts a schematic ofcross-sectional view of a chip pocket of a card. FIG. 5C may referencesame or similar components as illustrated in FIGS. 5A-5B, such as acard, one or more connections, a chip, and a fraud prevention adhesive.Card 505 may comprise a chip 510 that is at least partially or whollypositioned on or at least partially or wholly encompassed or at leastpartially or wholly integrated within a housing or reservoir, thehousing or reservoir comprising a chip pocket 515. FIG. 5C depicts afraud prevention adhesive 525 and a contact pad 530. The fraudprevention adhesive may be used to adhesively attach the chip 510 to thecontact pad 530. Applying the fraud prevention adhesive 525 to thesurface between the chip and contact pad increases the likelihood thatthe fraud prevention adhesive stain will spread across the surfacecomponents of the card. This increases the visibility of the stain ifthe fraud prevention adhesive is heated or melted. One or moreconnections 520 may be communicatively coupled to at least a portion,such as a surface, of the chip 510. In some embodiments, the connections520 may be in contact with the fraud prevention adhesive 525. Althoughsingle instances of the chip 510 are depicted in FIG. 5C, one or morechips 510 of card 505 may be at least partially or wholly positioned onor at least partially or wholly encompassed or at least partially orwholly integrated within one or more housings or reservoirs.

As illustrated in FIG. 5D, system 500 depicts a schematic ofcross-sectional view of a chip pocket of a card. FIG. 5D may referencesame or similar components as illustrated in FIGS. 5A-C, such as a card,one or more connections, a chip, and a fraud prevention adhesive. Card505 may comprise a chip 510 that is at least partially or whollypositioned on or at least partially or wholly encompassed or at leastpartially or wholly integrated within a housing or reservoir, thehousing or reservoir comprising a chip pocket 515. One or moreconnections 520 may be communicatively coupled to at least a portion,such as a surface, of the chip 510. The chip 510 may be at leastpartially or wholly disposed on one or more peaks and one or morevalleys 535 of the chip pocket 515. In some examples, the one or morepeaks and one or more valleys 535 may comprise one or more air gaps. Insome examples, the one or more peaks and one or more valleys 535 maycomprise be tapered or jagged-shaped at one or more ends.

In some examples, the one or more peaks and one or more valleys 535 ofthe chip pocket 515 may be generated or designed via a saw tooth millingpattern. The saw tooth milling pattern may be programmed or machined bya machine (not shown). In contrast to a smooth milling pattern, the sawtooth milling pattern for the chip pocket 515 and one or moreconnections 520, or a derivation of the saw tooth milling pattern, makesit difficult to attempt removal and/or to remove the chip 510 from thecard 505. Thus, the saw tooth milling pattern promotes the success ofadhesion of the chip 510 to the chip pocket 515 while also creating anuneven cutting process to prevent removal of the chip 510. As shown inFIG. 5D, the gaps between the one or more peaks and one or more valleys535 of the chip pocket 515 may contain the fraud prevention adhesive525. The use of both an uneven cutting surface in the chip pocket 515and a fraud prevention adhesive 525 prevents removal of the chip bysimple cutting (which does not always require heating) and by heating tomelt the adhesive. Although single instances of the chip 510 aredepicted in FIG. 5D, one or more chips 510 of card 505 may be at leastpartially or wholly positioned on or at least partially or whollyencompassed or at least partially or wholly integrated within one ormore housings or reservoirs.

FIG. 6 illustrates a method 600 of making a card. FIG. 6 may referencethe same or similar components of FIGS. 1-5 , as explained above.

At block 610, method may comprise laminating one or more layerstogether. In some examples, the one or more layers may comprise anoutermost or exterior layer which includes a layer that receives paint,ink, or laser treatment. The outermost or exterior layer may comprisethe ceiling or top layer of the one or more laminated layers. Theoutermost or exterior layer may comprise a thin film that receives laserpersonalization. In some examples, the laser personalization maycomprise custom laser personalization.

The one or more layers may further comprise one or more artwork layerspositioned below the outermost or exterior layer. For example, the oneor more artwork layers may comprise personalized information about theuser and/or financial institution that issues the card.

The one or more layers may further comprise one or more metal corelayers positioned below the one or more artwork layers.

The one or more layers may comprise one or more magnetic stripe layerpositioned below the one or more metal core layers. In some examples,the one or more magnetic stripe layers may comprise the innermost orinterior layer of the card.

In some examples, the one or more layers may be arranged in one or moresheets. By way of an example, each sheet may comprise a plurality ofcards. In some examples, one or more sheets may comprise 50 or morecards. The one or more sheets may be fed to a laminating press which isconfigured to laminate the one or more layers together. In someexamples, the lamination process may comprise hot lamination or coldlamination. At this point, the card includes the one or more layers, anddoes not yet include personal information, a signature panel, ahologram, and a chip.

At block 620, a hologram may be placed on the card. In some examples,the hologram may comprise a secure hologram, and the hologram may beplaced on an area of the card. In some examples, the hologram may beplaced on a secure area of the card that may be checked by a merchant.

At block 630, a signature panel may be placed on the card. In someexamples, the signature panel may be heat stamped onto a portion thecard. The signature panel may also be checked by a merchant. Thesignature panel may be placed on a portion of the card, such as the backof the card.

At block 640, the card may be transferred to one or more machines. Theone or more machines may comprise a stamping machine and may beconfigured to mill one or more chip pockets and embed a chip into thecard. In some examples, the card may comprise a chip that is at leastpartially or wholly positioned on or at least partially or whollyencompassed or at least partially or wholly integrated within a housingor reservoir, the housing or reservoir comprising a chip pocket. Asfurther discussed below, one or more connections may communicativelycouple at least a portion, such as a surface, of the chip which may beat least partially or wholly disposed on one or more peaks and one ormore valleys of the chip pocket. In some examples, the one or more peaksand one or more valleys may comprise one or more air gaps. In someexamples, the one or more peaks and one or more valleys may comprise oneor more tapered or jagged edges.

In some examples, the one or more peaks and one or more valleys of thechip pocket may be generated or designed via a saw tooth millingpattern. The saw tooth milling pattern may be programmed or machined bya machine. In contrast to a smooth milling pattern, the saw toothmilling pattern for the chip pocket and one or more connections, or aderivation of the saw tooth milling pattern, makes it difficult toattempt removal and/or remove the chip from the card. Thus, the sawtooth milling pattern promotes the success of adhesion of the chip tothe chip pocket while also creating an uneven cutting process to preventremoval of the chip. As a consequence of this removal prevention design,chip fraud is eliminated.

In some examples, each of the one or more peaks and one or more valleysof the chip pocket may comprise same or different shapes, lengths,and/or dimensions so as to produce one or more arrangements of the oneor more shapes. Accordingly, one or more connections may comprisedifferent or irregular shapes, lengths, and/or dimensions. In someexamples, one or more subsets of the one or more peaks and the one ormore valleys may be generated or repeated after a predeterminedinterval, or one or more subsets of the one or more peaks and one ormore valleys may generated or repeated at random, as determined by oneor more machining processes. For example, one or more peaks and one ormore valleys may be included, and other types of peaks and valleys maycomprise one or more angled and/or curved portions. Different variationsmay be used within a given card issuance, such that the same card issuedby an institution may have a number of different patterns based on theparticular card that is prepared for the user. In the event the usermisplaces their card, a new card may be issued with an entirelydifferent pattern to replace the previous card.

In some examples, the chip may comprise an integrated circuit. In oneexample, card may include a planar surface comprising a substrate, and achip embedded or integrated or otherwise in communication with card viaone or more electronic components or connections. For example, the oneor more connections may comprise one or more leads, wires or pins, orany combination thereof, communicatively coupled to chip. One or moreconnections may be configured to connect a surface of the chip. Thesurface may comprise an exterior region of chip, and the chip mayproject outwards from card to depict its connectivity.

In another example, the card may include a chip embedded or integratedor otherwise in communication with card via one or more electroniccomponents or connections. For example, one or more connections maycomprise one or more wires or pins, or any combination thereof,communicatively coupled to chip. One or more connections may beconfigured to connect a surface of the chip. The surface may comprise aninterior region of chip, and the chip may be project outwards from thecard to depict its connectivity.

At block 650, after the one or more chip pockets are created for housingthe chip, the one or more machines may be configured to punch the chipinto the one or more chip pockets. In some examples, other machines maybe used in lieu of the stamping machine to punch the chip into the oneor more chip pockets.

At block 660, the chip may include MasterCard or Visa information. Atthis point, no other information exists within the chip, such as cardinformation or to whom the card is assigned to. The card may beassociated with one or more card identifiers. In some examples, the oneor more card identifiers may be printed adjacent to a corner of thecard; however, other regions of the card may be used for display of theone or more card identifiers.

At block 670, the card may be sent to a vault or facility, such as apersonalization facility, and the card is ready for pick up. One or moremachines within the vault or facility may request the card based on theone or more card identifiers. The one or more machines may receive thecard based on the one or more card identifiers and may perform encodingof the magnetic stripe; printing of data, such as account numberinformation and user information, including first and last name, on thefront and/or back of the card; encoding of the chip. For example, thecard may comprise identification information displayed on the frontand/or back of the card, and a contact pad. In some examples, theidentification information may comprise one or more of cardholder nameand expiration date of the card. The card may also include a magneticstripe or tape, which may be located on the back of the card.

FIG. 7 illustrates a method 700 of making a card. FIG. 7 may referencesame or similar components of FIGS. 1-6 , as explained above.

At block 710, method 700 may comprise laminating one or more layerstogether. In some examples, the one or more layers may comprise anoutermost or exterior layer which includes a layer that receives paint,ink, or laser treatment. The outermost or exterior layer may comprisethe ceiling or top layer of the one or more laminated layers. Theoutermost or exterior layer may comprise a thin film that receives laserpersonalization. In some examples, the laser personalization maycomprise custom laser personalization.

The one or more layers may further comprise one or more artwork layerspositioned below the outermost or exterior layer. For example, the oneor more artwork layers may comprise personalized information about theuser and/or financial institution that issues the card.

The one or more layers may further comprise one or more metal corelayers positioned below the one or more artwork layers. The one or morelayers may comprise one or more magnetic stripe layer positioned belowthe one or more metal core layers. In some examples, the one or moremagnetic stripe layers may comprise the innermost or interior layer ofthe card.

In some examples, the one or more layers may be arranged in one or moresheets. By way of an example, each sheet may comprise a plurality ofcards. In some examples, one or more sheets may comprise 50 or morecards. The one or more sheets may be fed to a laminating press which isconfigured to laminate the one or more layers together. In someexamples, the lamination process may comprise hot lamination or coldlamination. At this point, the card includes the one or more layers, anddoes not yet include personal information, a signature panel, ahologram, and a chip.

At block 720, a hologram may be placed on the card. In some examples,the hologram may comprise a secure hologram, and the hologram may beplaced on an area of the card. In some examples, the hologram may beplaced on a secure area of the card that may be visually inspected by amerchant.

At block 730, a signature panel may be placed on the card. In someexamples, the signature panel may be heat stamped onto a portion thecard. The signature panel may also be checked by a merchant. Thesignature panel may be placed on a portion of the card, such as the backof the card.

At block 740, the card may be transferred to one or more machines. Theone or more machines may comprise a stamping machine and may beconfigured to mill one or more chip pockets into the card. In someexamples, the card may comprise a chip that is at least partially orwholly positioned on or at least partially or wholly encompassed or atleast partially or wholly integrated within a housing or reservoir, thehousing or reservoir comprising a chip pocket.

At block 750, after the one or more chip pockets are created for housingthe chip, one or more machines may be configured to insert a fraudprevention fluid into the one or more chip pockets. In some examples,the fraud prevention fluid is contained within a fraud preventioncapsule prior to being inserted into a chip pocket. The fraud preventionfluid and/or capsule is at least partially or wholly positioned on or atleast partially or wholly encompassed or at least partially or whollyintegrated within a housing or reservoir, the housing or reservoircomprising a chip pocket.

At block 760, after the one or more chip pockets are created for housingthe chip, the one or more machines may be configured to punch the chipinto the one or more chip pockets. In some examples, other machines maybe used in lieu of the stamping machine to punch the chip into the oneor more chip pockets. It will be appreciated that, depending on thedesired position of the chip and connectors relative to the fraudprevention fluid and/or fraud prevention capsule, a chip may be punchedinto the one or more chip pockets either before or after the fraudprevention fluid and/or fraud prevention capsule is inserted into a chippocket.

At block 770, the chip may include MasterCard or Visa information. Atthis point, no other information exists within the chip, such as cardinformation or to whom the card is assigned to. The card may beassociated with one or more card identifiers. In some examples, the oneor more card identifiers may be printed adjacent to a corner of thecard; however, other regions of the card may be used for display of theone or more card identifiers.

At block 780, the card may be sent to a vault or facility, such as apersonalization facility, and the card is ready for pick up. One or moremachines within the vault or facility may request the card based on theone or more card identifiers. The one or more machines may receive thecard based on the one or more card identifiers and may perform encodingof the magnetic stripe; printing of data, such as account numberinformation and user information, including first and last name, on thefront and/or back of the card; encoding of the chip. For example, thecard may comprise identification information displayed on the frontand/or back of the card, and a contact pad. In some examples, theidentification information may comprise one or more of cardholder nameand expiration date of the card. The card may also include a magneticstripe or tape, which may be located on the back of the card.

FIG. 8 illustrates a method 800 of making a card. FIG. 8 may referencesame or similar components of FIGS. 1-7 , as explained above.

At block 810, method 800 may comprise laminating one or more layerstogether. In some examples, the one or more layers may comprise anoutermost or exterior layer which includes a layer that receives paint,ink, or laser treatment. The outermost or exterior layer may comprisethe ceiling or top layer of the one or more laminated layers. Theoutermost or exterior layer may comprise a thin film that receives laserpersonalization. In some examples, the laser personalization maycomprise custom laser personalization.

The one or more layers may further comprise one or more artwork layerspositioned below the outermost or exterior layer. For example, the oneor more artwork layers may comprise personalized information about theuser and/or financial institution that issues the card.

The one or more layers may further comprise one or more metal corelayers positioned below the one or more artwork layers. The one or morelayers may comprise one or more magnetic stripe layer positioned belowthe one or more metal core layers. In some examples, the one or moremagnetic stripe layers may comprise the innermost or interior layer ofthe card.

In some examples, the one or more layers may be arranged in one or moresheets. By way of an example, each sheet may comprise a plurality ofcards. In some examples, one or more sheets may comprise 50 or morecards. The one or more sheets may be fed to a laminating press which isconfigured to laminate the one or more layers together. In someexamples, the lamination process may comprise hot lamination or coldlamination. In some examples, the lamination process may utilize a fraudprevention adhesive comprising a stain. At this point, the card includesthe one or more layers, and does not yet include personal information, asignature panel, a hologram, and a chip.

At block 820, a hologram may be placed on the card. In some examples,the hologram may comprise a secure hologram, and the hologram may beplaced on an area of the card. In some examples, the hologram may beplaced on a secure area of the card that may be checked by a merchant.

At block 830, a signature panel may be placed on the card. In someexamples, the signature panel may be heat stamped onto a portion thecard. The signature panel may also be checked by a merchant. Thesignature panel may be placed on a portion of the card, such as the backof the card. In examples utilizing heat stamping, fraud preventionadhesive should not be utilized if heat stamping causes deleteriouseffects.

At block 840, the card may be transferred to one or more machines. Theone or more machines may comprise a stamping machine and may beconfigured to mill one or more chip pockets and embed a chip into thecard. In some examples, the card may comprise a chip that is at leastpartially or wholly positioned on or at least partially or whollyencompassed or at least partially or wholly integrated within a housingor reservoir, the housing or reservoir comprising a chip pocket. Asfurther discussed below, one or more connections may communicativelycouple at least a portion, such as a surface, of the chip. In someexamples, the chip is disposed on a generally even surface of the chippocket. In some examples, the chip may be at least partially or whollydisposed on one or more peaks and one or more valleys of the chippocket. In some examples, the one or more peaks and one or more valleysmay comprise one or more air gaps. In some examples, the one or morepeaks and one or more valleys may comprise be tapered or jagged-shapedat one or more ends.

In some examples, the chip may comprise an integrated circuit. In oneexample, card may include a planar surface comprising a substrate, and achip embedded or integrated or otherwise in communication with card viaone or more electronic components or connections. For example, the oneor more connections may comprise one or more leads, wires or pins, orany combination thereof, communicatively coupled to chip. One or moreconnections may be configured to connect a surface of the chip. Thesurface may comprise an exterior region of chip, and the chip mayproject outwards from card to depict its connectivity.

In another example, the card may include a chip embedded or integratedor otherwise in communication with card via one or more electroniccomponents or connections. For example, one or more connections maycomprise one or more wires or pins, or any combination thereof,communicatively coupled to chip. One or more connections may beconfigured to connect a surface of the chip. The surface may comprise aninterior region of chip, and the chip may be project outwards from thecard to depict its connectivity.

At block 850, after the one or more chip pockets are created for housingthe chip, the one or more machines may be configured to apply a fraudprevention adhesive comprising a stain to at least one of the chippocket, a surface of the chip, or one or more connections. Solvents,viscosity modifying agents, and/or dispersal agents may be appliedbefore, after, or concurrently with the fraud prevention adhesive. Itwill be understood that if any such agents or adhesive are used toadhere the chip to a surface of the chip pocket, they may be appliedprior to inserting a chip into the chip pocket.

At block 860, after the one or more chip pockets are created for housingthe chip and a fraud prevention adhesive is applied, the one or moremachines may be configured to punch the chip into the one or more chippockets. In some examples, other machines may be used in lieu of thestamping machine to punch the chip into the one or more chip pockets.

At block 870, the chip may include MasterCard or Visa information. Atthis point, no other information exists within the chip, such as cardinformation or to whom the card is assigned to. The card may beassociated with one or more card identifiers. In some examples, the oneor more card identifiers may be printed adjacent to a corner of thecard; however, other regions of the card may be used for display of theone or more card identifiers.

At block 880, the card may be sent to a vault or facility, such as apersonalization facility, and the card is ready for pick up. One or moremachines within the vault or facility may request the card based on theone or more card identifiers. The one or more machines may receive thecard based on the one or more card identifiers and may perform encodingof the magnetic stripe; printing of data, such as account numberinformation and user information, including first and last name, on thefront and/or back of the card; encoding of the chip. For example, thecard may comprise identification information displayed on the frontand/or back of the card, and a contact pad. In some examples, theidentification information may comprise one or more of cardholder nameand expiration date of the card. The card may also include a magneticstripe or tape, which may be located on the back of the card.

FIG. 9 illustrates a schematic of one or more layers of the card 900.FIG. 9 may reference the same or similar components of FIGS. 1-6 asexplained above.

Card 900 may comprise one or more layers that are laminated together.Although single instances of each layer are depicted in FIG. 9 , card900 may include one or more layers for each layer. In some examples, thecard 900 may comprise a first layer 910, such as an outermost orexterior layer which includes a layer that receives paint, ink, or lasertreatment. The outermost or exterior layer may comprise the ceiling ortop layer of the one or more laminated layers. The outermost or exteriorlayer may comprise a thin film that receives laser personalization. Insome examples, the laser personalization may comprise custom laserpersonalization.

Card 900 may further comprise a second layer, including one or moreartwork layers 920 positioned below the outermost or exterior layer 910.For example, the one or more artwork layers 920 may comprisepersonalized information about the user and/or financial institutionthat issues the card 900.

Card 900 may further comprise a third layer 930, including one or moremetal core layers positioned below the one or more artwork layers 920.

Card 900 may further comprise a fourth layer 940, including one or moremagnetic stripe layer positioned below the one or more metal core layers930. In some examples, the one or more magnetic stripe layers 940 maycomprise the innermost or interior layer of the card 900.

As used herein, the terms “card,” “contactless card,” and “smartcard”are not limited to a particular type of card. Rather, it is understoodthat these terms can refer to a contact-based card, a contactless card,or any other card including a chip. It is further understood that thecard may be any type of card containing a chip, including withoutlimitation an identity card, a membership card, a loyalty card, anaccess card, a security card, and a badge.

Exemplary embodiments described herein relate to chips used insmartcards, however, the present disclosure is not limited thereto. Itis understood that the present disclosure encompasses chips that may beused in a variety of devices that include electronic components havingchips, including without limitation computing devices (e.g., laptopcomputers, desktop computers, and servers), vehicles (e.g., automobiles,airplanes, trains, and ships), appliances (e.g., televisions,refrigerators, air conditions, furnaces, microwaves, dish washers, smokedetectors, thermostats, and lights), mobile devices (e.g., smartphonesand tablets), and wearable devices (e.g., smartwatches).

Throughout the specification and the claims, the following terms take atleast the meanings explicitly associated herein, unless the contextclearly dictates otherwise. The term “or” is intended to mean aninclusive “or.” Further, the terms “a,” “an,” and “the” are intended tomean one or more unless specified otherwise or clear from the context tobe directed to a singular form.

In this description, numerous specific details have been set forth. Itis to be understood, however, that implementations of the disclosedtechnology may be practiced without these specific details. In otherinstances, well-known methods, structures and techniques have not beenshown in detail in order not to obscure an understanding of thisdescription. References to “some examples,” “other examples,” “oneexample,” “an example,” “various examples,” “one embodiment,” “anembodiment,” “some embodiments,” “example embodiment,” “variousembodiments,” “one implementation,” “an implementation,” “exampleimplementation,” “various implementations,” “some implementations,”etc., indicate that the implementation(s) of the disclosed technology sodescribed may include a particular feature, structure, orcharacteristic, but not every implementation necessarily includes theparticular feature, structure, or characteristic. Further, repeated useof the phrases “in one example,” “in one embodiment,” or “in oneimplementation” does not necessarily refer to the same example,embodiment, or implementation, although it may.

As used herein, unless otherwise specified the use of the ordinaladjectives “first,” “second,” “third,” etc., to describe a commonobject, merely indicate that different instances of like objects arebeing referred to, and are not intended to imply that the objects sodescribed must be in a given sequence, either temporally, spatially, inranking, or in any other manner.

While certain implementations of the disclosed technology have beendescribed in connection with what is presently considered to be the mostpractical and various implementations, it is to be understood that thedisclosed technology is not to be limited to the disclosedimplementations, but on the contrary, is intended to cover variousmodifications and equivalent arrangements included within the scope ofthe appended claims. Although specific terms are employed herein, theyare used in a generic and descriptive sense only and not for purposes oflimitation.

This written description uses examples to disclose certainimplementations of the disclosed technology, including the best mode,and also to enable any person skilled in the art to practice certainimplementations of the disclosed technology, including making and usingany devices or systems and performing any incorporated methods. Thepatentable scope of certain implementations of the disclosed technologyis defined in the claims, and may include other examples that occur tothose skilled in the art. Such other examples are intended to be withinthe scope of the claims if they have structural elements that do notdiffer from the literal language of the claims, or if they includeequivalent structural elements with insubstantial differences from theliteral language of the claims.

21-40. (canceled)
 41. A fraud prevention system, comprising: asubstrate; a pocket formed in the substrate, the pocket including afirst surface formed in a pattern; and a capsule at least partiallyencompassed in the pocket, wherein the capsule is shaped to accommodatethe pattern.
 42. The fraud prevention system of claim 41, furthercomprising a chip at least partially encompassed in the pocket.
 43. Thefraud prevention system of claim 42, further comprising: a connectioncommunicatively coupled to a first surface of the chip, wherein theconnection is in contact with the capsule.
 44. The fraud preventionsystem of claim 41, wherein the capsule contains a corrosive liquid. 45.The fraud prevention system of claim 41, wherein the capsule contains anon-metallic fluid.
 46. The fraud prevention system of claim 41, whereinthe capsule contains a visible staining liquid.
 47. The fraud preventionsystem of claim 41, wherein the capsule contains an invisible stainingliquid that becomes visible under ultraviolet light.
 48. The fraudprevention system of claim 41, wherein the capsule contains a noxiousgas.
 49. A method of making a fraud prevention device, the methodcomprising the steps of: providing a substrate; forming a pocket in thesubstrate, forming a pattern on a first surface; and adhering a capsuleto the first surface using an adhesive, wherein the capsule is shaped toaccommodate the pattern.
 50. The method of claim 49, further comprisingthe step of: positioning a chip in the pocket, wherein the chip is atleast partially encompassed by the pocket.
 51. The method of claim 50,further comprising the step of communicatively coupling a connection toa first surface of the chip, wherein the connection is in contact withthe capsule.
 52. The method of claim 51, wherein the connection is incontact with the adhesive.
 53. The method of claim 49, wherein: theadhesive comprises a stain, and the stain is a flowable liquid whenheated above ambient temperatures.
 54. The method of claim 53, wherein:the adhesive comprises a dispersal agent, and once activated, thedispersal agent actively spreads the stain.
 55. The method of claim 54,wherein the dispersal agent comprises at least one selected from thegroup of a foaming agent, an effervescent excipient, and an expandingagent.
 56. The method of claim 49, wherein: the adhesive comprises aviscosity modifying agent, and the viscosity modifying agent decreasesthe viscosity of the adhesive.
 57. The method of claim 49, wherein: theadhesive comprises a viscosity modifying agent, and the viscositymodifying agent decreases the viscosity of the adhesive.
 58. The methodof claim 49, wherein: the adhesive comprises a viscosity modifyingagent, and the viscosity modifying agent decreases the viscosity of theadhesive.
 59. A card, comprising: a substrate; a pocket formed in thesubstrate, the pocket including a first surface formed in a pattern; anda capsule at least partially encompassed in the pocket, wherein thecapsule is shaped to accommodate the pattern.
 60. The card of claim 59,wherein: the capsule is adhered to the first surface using an adhesivecomprising a solvent, and the solvent evaporates from the adhesive whenexposed to air.